ESL Credit Cards

Built for the way you spend.

Whether you're looking to simplify your finances or make your everyday spending more rewarding, ESL has a credit card designed to help you reach your goals.

Benefits both cards offer:

  • 0% Intro APR for 12 months1
  • No balance transfer fees2 and no annual fees2 ever
  • A smart way to consolidate high-interest rate credit card balances
  • Account access anytime, anywhere with ESL Mobile and Online Banking
  • Potential to grow your ESL Owners’ Dividend3 with every purchase and your average monthly outstanding balances

ESL Visa® Credit Card

If your goal is to save more, reduce debt, or simplify your money management, the ESL Visa Credit Card gives you the control and confidence you deserve.

  • 0% Intro APR for 12 months1 on purchases and balance transfers
  • Low ongoing rates from 11.75%-17.99% APR1
  • Easily transfer your balances online

ESL Visa Credit Card Rates and Terms

ESL Rewards Visa Signature® Credit Card

If you want to get more from everyday spending and enjoy simple savings and flexibility, the ESL Rewards Visa Signature Credit Card makes every purchase work harder for you.

  • Earn 20,000 bonus rewards points when you spend $1,000 in the first 90 days4
  • Earn points on what matters most:
    • 3 points per $1 on Dining
    • 2 points per $1 on Gas, Groceries, and Travel
    • 1 point per $1 on everything else
  • 0% Intro APR for 12 months1 on purchases and balance transfers
  • Ongoing rates from 14.75%-17.99%1
  • Points that never expire

ESL Rewards Visa Signature Credit Card Rates and Terms

 

Rates accurate as of

1: 0% Introductory APR available to new accounts only. Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. Introductory rate of 0.00% is fixed for 12 billing cycles from account open date. After that, ESL Visa Credit Card Prime Rate + 5.00% up to Prime Rate + 14.24%, and ESL Rewards Visa Signature Credit Card Prime Rate + 8.00% up to Prime Rate + 14.24% to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of [current prime rate date], the Prime Rate was [current prime rate].

2: Cash advance and foreign transaction fees may apply.

3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a dividend is not guaranteed.

4: New accounts receive 20,000 Bonus Rewards Points by making $1,000 in qualified purchases (less returns) within the first 90 days from account open date. Cash advances and balance transfers are not eligible.

VISA is a registered trademark of Visa International Service Association and used under license. ESL is an equal opportunity lender.